Call reports 2005
BANK OF STAR VALLEY, THE — 2005
What BANK OF STAR VALLEY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 66,112,000 | 71,056,000 | 78,654,000 | 76,411,000 |
| Total loans | 46,540,000 | 48,283,000 | 51,129,000 | 51,294,000 |
| Allowance for loan losses | 575,000 | 589,000 | 548,000 | 570,000 |
| Securities available for sale | 4,258,000 | 4,577,000 | 4,557,000 | 4,549,000 |
| Securities held to maturity | 448,000 | 447,000 | 445,000 | 424,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,672,000 | 62,823,000 | 70,950,000 | 68,112,000 |
| Interest-bearing deposits | 48,421,000 | 52,854,000 | 54,447,000 | 54,963,000 |
| Noninterest-bearing deposits | 9,251,000 | 9,969,000 | 16,503,000 | 13,149,000 |
| Equity capital | 6,153,000 | 6,310,000 | 6,494,000 | 6,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 901,000 | 1,895,000 | 3,009,000 | 4,225,000 |
| Interest expense | 190,000 | 413,000 | 675,000 | 986,000 |
| Net interest income | 711,000 | 1,482,000 | 2,334,000 | 3,239,000 |
| Noninterest income | 151,000 | 268,000 | 395,000 | 507,000 |
| Noninterest expense | 522,000 | 1,022,000 | 1,546,000 | 2,093,000 |
| Provision for loan losses | 10,000 | 25,000 | 45,000 | 70,000 |
| Pretax income | 330,000 | 703,000 | 1,138,000 | 1,583,000 |
| Income tax | 111,000 | 237,000 | 383,000 | 534,000 |
| Net income | 219,000 | 466,000 | 755,000 | 1,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,165,000 | 6,312,000 | 6,501,000 | 6,683,000 |
| Total capital | 6,740,000 | 6,901,000 | 7,049,000 | 7,253,000 |
| Risk-weighted assets | 62,143,000 | 64,942,000 | 69,277,000 | 70,516,000 |
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